Crypto is bad at money transfers. It's low capacity. That's why nobody is using BTC to pay for pizza anymore. It's also bad at privacy, since the architecture for most crypto systems relies on storing a permanent, non-modifiable public ledger.
Your usage case doesn't really work because almost nobody cares about that. You'll find a few idealists interested in that, and a very few people that need to transact with some random person in Bangladesh. Pretty much everyone will just do a regular bank transfer or use Paypal.
What got crypto to become popular is the "get rich quick" schemes, which not only don't require stability, but rely on instability and people attracted to the idea of exploiting it for profit.
Your usage case doesn't really work because almost nobody cares about that. You'll find a few idealists interested in that, and a very few people that need to transact with some random person in Bangladesh. Pretty much everyone will just do a regular bank transfer or use Paypal.
What got crypto to become popular is the "get rich quick" schemes, which not only don't require stability, but rely on instability and people attracted to the idea of exploiting it for profit.